Social Security numbers are classified as “Confidential” information under HomeServices Lending, LLC’s (“HSL”) Information Security Policy. As such, Social Security numbers may only be accessed by and disclosed to HSL team members and others with a legitimate business “need to know” in accordance with applicable laws and regulations. Social Security numbers, whether in paper or electronic form, are subject to physical, electronic, and procedural safeguards, and must be stored, transmitted, and disposed of in accordance with the provisions of the Information Security Policies applicable to Confidential information. These restrictions apply to all Social Security numbers collected or retained by HSL in connection with customer, employee, or other relationships.

FACTS

WHAT DOES HOMESERVICES LENDING, LLC DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security number and Income

Employment information and Credit history

Credit scores and Payment history

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons HomeServices Lending, LLC chooses to share, and whether you can limit this sharing.

Reasons we can share your personal information

Does the HomeServices Lending, LLC share?

Can you limit this sharing?

For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes — to offer our products and services to you

Yes

No

For joint marketing with other financial companies

No

We don’t share

For our affiliates’ everyday business purposes — information about your transactions and experiences

Please Note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?

Call 866-531-0904

Who we are

Who is providing this notice?

HomeServices Lending, LLC

What we do

How does HomeServices Lending, LLC protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

For more information call 866-531-0904

How does HomeServices Lending, LLC collect my personal information?

We collect your personal information, for example, when you:

Apply for a loan, or

Give us your employment history, or

Give us your income information, or

Give us your wage statements, or

Give us your contact information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account, unless you tell us otherwise.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

Our affiliates include entities with common ownership or control within HomeServices of America, Inc.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

HomeServices Lending, LLC does not share with nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

HomeServices Lending, LLC does not jointly market.

Other Important Information

VT Residents: We will not share information we collect about you with companies outside our corporate family, unless permitted by VT law. For example, we may share information with your consent, to service your accounts or under joint marketing agreements we have with other institutions. Without your consent, we will not share information about your creditworthiness, but may share information about transactions/experiences with you within our corporate family.